Does Car Insurance Cover a Hit and Run?

Yes — a hit and run is usually covered by uninsured motorist or collision coverage, since the at-fault driver can’t be identified to pay.

By the Home & Dime Editorial Team · Updated 2026

Which coverage applies

• Uninsured motorist (for injuries, and property damage in some states).
• Collision (for your car’s damage), minus deductible.

Frequently asked questions

Do I pay a deductible?

With collision, yes; UM property damage may have a smaller one.

Should I file a police report?

Yes — it’s important for a hit-and-run claim.

Related guides

• What does full coverage cover?

Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.